Episodes

The episode explains recent changes that will shut off new borrowing through SMSFs for residential property, while noting what hasn’t changed: SMSFs still exist, commercial property lending via SMSF remains possible, and residential property can still be bought outright with cash. The hosts argue the change affects less than 1% of lending and is being catastrophised by industry players who profit from SMSF property transactions, warning listeners not to rush due to FOMO-driven marketing like “45...

This is part two of Julia's story - a cautionary tale about a seasoned property investor who built $350,000 in equity across two properties, only to find herself in a situation that could cost her everything. In part one, the hosts walked through the story at a high level. In this episode, they slow it right down: breaking apart each of the 10 red flags in Julia's purchase journey - not just what they were, but why they felt completely reasonable in the moment, what the real risks are, and how y...

What happens when a successful investor follows advice from people they thought they could trust? In this episode, the team unpacks the real-life story of Julia, a migrant who worked tirelessly to build wealth through property, only to find herself locked into two unconditional contracts that put more than $350,000 of equity at risk. From community referrals and educational seminars to referral commissions, house-and-land packages, SMSF property purchases, and unconditional contracts, this episo...

With recent property tax changes reshaping the investment landscape, many first-time investors are asking the same question: should you buy established property or consider a new build instead? In this episode, the team breaks down a practical five-step framework covering the recent budget changes, investment timeframes, borrowing capacity, cashflow, and risk. Learn how each factor can influence your decision, the hidden trade-offs of both strategies, and why your personal circumstances matter m...

With more investors considering new builds, knowing how to separate opportunity from marketing hype has never been more important. In this episode, the team breaks down a practical framework for researching new build investment properties, including what makes a location attractive, the key data points to analyse, and the red flags that often signal trouble ahead. Learn why established suburbs continue to outperform many new estates, how supply and demand really impact growth, and the simple che...

In the first episode of our new Investor Confessions series, Pete shares the real stories behind his eight-property journey—the wins, the mistakes, and the lessons he learned the hard way. From selling a Perth property too early and missing out on hundreds of thousands in growth, to the hidden costs of self-managing tenants and sitting on the fence when opportunities appeared, this is an honest look at what property investing actually feels like behind the numbers. Connect with us → https://link...

Thinking about using a buyer’s agent but unsure if it’s actually worth it? In this episode, the team answers 12 common questions first-time investors ask, covering a range of topics from off-market deals and hidden commissions, to fees, red flags, hotspots, and whether buyer’s agents really improve long-term outcomes. Learn how good buyer’s agents structure their process, where investors often get stuck in analysis paralysis, and what questions you should be asking before signing with anyone. Co...

If you think owning an investment property means you can do whatever you want with it, this episode might surprise you. The team breaks down 12 common landlord assumptions that regularly catch first-time investors off guard, from ending leases and increasing rent, to pets, renovations, repairs, and tenant rights. Learn what landlords legally can’t do, where investors often get themselves into trouble by accident, and how to avoid costly mistakes while still protecting your investment in this qui...

This episode breaks down the critical gap between finding a property and confidently making an offer, giving first-time investors a clear 5-step framework to follow. Learn how to assess location and value, avoid emotional decision-making, and set a “sleep at night” price that aligns with your goals and risk tolerance. The team also unpacks how to handle agents, understand offer campaigns, and structure a strong offer without getting caught in a bidding war. If you’ve ever felt stuck or overwhelm...

In this episode, your hosts debunk seven common myths that trip up first-time property investors, from chasing big blocks to trusting the wrong people. If you're just starting out on your property journey, save, download or bookmark this episode - it'll help frame the decisions you make along the way. Want to connect with us? ➜ https://linktr.ee/ftpi.pod

This week, your hosts break down a real client scenario: a dual-income family on $160k with two kids deciding between buying two ~$400k investment properties or one ~$800k property to build wealth and retire early. Want to connect with us? ➜ https://linktr.ee/ftpi.pod

This episode of the First Time Property Investor podcast is for Australians who want to invest in property but feel stuck between analysis paralysis, conflicting advice, and the fear of making an expensive mistake. In this episode, your hosts unpack why waiting feels safe, the hidden costs of delaying, and how the market can move while you’re on the fence. You’ll learn the difference between a healthy pause and waiting by default, plus practical ways to pressure test risk, buffers, and remember ...

This week's episode introduces the “Go To Sleep Framework,” a five-step process to help first-time property investors decide if they’re ready to invest in a way that feels safe and sustainable as property gets more expensive. Want to connect with us? ➜ https://linktr.ee/ftpi.pod 00:00 Introducing the Go To Sleep Framework 00:50 Step One: Vision 03:58 Step Two: Lifestyle Tradeoffs 07:15 Step Three Cash Flow Reality Check 11:34 Step Four Savings Buffer 13:54 Step Five Insurance Basics 18:35 Final ...

Today we speed-run 20 of the most common questions first-time investors are asking ChatGPT, cutting through the fluff with real-life insights you can use today. Want to connect with us? ➜ https://linktr.ee/ftpi.pod 00:12 Buy Now or Wait 00:48 Negative Gearing Reality 01:16 Borrowing Power Basics 02:05 Using Home Equity 02:59 IO vs P and I Loans 04:40 True Holding Costs 06:33 Estimating Rent Properly 08:02 Deposit and LMI Strategy 09:12 Tax Claims and Deductions 11:22 Depreciation Schedule Value ...

The episode unpacks how interest rate hikes and proposed capital gains tax discount changes may affect first-time property investors, arguing many headlines create unnecessary fear. Skye warns landlords against matching rate rises with sharp rent increases because tenants now have more choice and even short vacancies hurt returns. Pete explains preparing investors with conservative cashflow planning, stress-testing rates above current levels, and keeping at least six months’ buffer. They also di...

The hosts discuss why first-time investors often miss good opportunities in a fast market by panicking over “red flags” that are frequently manageable. They explain how items flagged in building and pest reports can often be costed and negotiated while stressing the importance of using an independent, reputable inspector. They also cover financial conditions that may not be red flags: a slightly more expensive home loan can be worth it if a faster lender improves your chances in competitive offe...

Welcome to the First Time Property Investor Podcast! In this reboot episode, the hosts unveil their exciting new direction, transitioning from the 'Toxic Property' podcast to the 'First Time Property Investor' podcast, or FTPI for short. They discuss the motivation behind the rebrand, aiming to cater specifically to first-time and relatively new property investors. The hosts emphasise the importance of realistic expectations, financial choice over financial freedom, and the value of having the r...